Applications / Mortgage Analytics / Lenders / Tennessee / UBank
Knoxville, TN · State non-member bank · FDIC · $180 million assets · 47 loans in 2025
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47
loans originated, 2025
57
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UBank, a small Knoxville bank once called Union Bank, makes modest loans, many on manufactured homes, and two-thirds of them go to poorer neighborhoods.
Its typical loan was $85,000 in 2025, against $165,000 at the 490 similar lenders, state non-member banks making between half and twice as many loans. That is smaller than at more than nine in ten of them. Manufactured homes, which cost less, made up 12.8% of its loans, against 2.4% at the typical peer. Every loan was conventional, and none was jumbo.
Low- and moderate-income (LMI) neighborhoods took 66.0% of its loans, against 18.3% at the typical peer, a higher share than at almost all similar lenders. LMI borrowers took 42.9%, higher than at more than four in five of them.
It has made between 45 and 54 loans in every year it reported since 2018; it filed no report for 2020 to 2022, gaps in the record rather than years without lending. Loans rose 4% in 2025, close to its peers' 3%, and refinancing made up 46.8% of them, slightly more than purchases. Knoxville is its largest market, where it has lent since 2014 and ranks 180 of 599 lenders. It made its first loans in Clarksville and Chattanooga in 2025.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. UBank took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 46.8% · Purchase 42.6% · Home improvement 6.4% · Other 4.3%
Conventional 100.0% · of 47 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 40 | 85.1% |
| Kentucky | 7 | 14.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Knoxville | 35 |
| Morristown | 2 |
| Chattanooga | 1 |
| Clarksville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BG5GYUSWMP2R94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 423636 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31693 | 2014–2017 |
Established 1 January 1918. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: UBank's data.
UBank's data
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